Unyonyaji wa Bodi ya Mikopo (Higher Education Student's Loan Board)

[KUTATABHETAKULE]

Sifahamu sana kuhusu HESLB lakini kwa hali ya kawaida kama mkataba(makubaliano) yalionesha mengine na badae yakaja kubadilika si huwa kuna haki ya kukataa kulipa?

Ikitokea deni halijalipwa kabisa ni hatua gani inafanyika kwa aliyekataa kulipa?

Anakamatwa mdhamini wake ambaye utakuta ni mzazi wa huyo anayedaiwa. Mzazi sasa ni mstaafu na anatakiwa aitoe hiyo pesa kupitia "tundu" (sorry to say so) lolote kile hadi pesa hiyo ipatikane.

 

[Joanah]

Anakamatwa mdhamini wake ambaye utakuta ni mzazi wa huyo anayedaiwa. Mzazi sasa ni mstaafu na anatakiwa aitoe hiyo pesa kupitia "tundu" (sorry to say so) lolote kile hadi pesa hiyo ipatikane.

Ooh,okay

 

[Shambaboy jogoli]

Inasikitisha sana bodi iliyopewa dhamana kuwezesha kupata elimu inavyobadilika na kuwa sehemu ya kuwanyonya watoto wa msikini.
Ukiangalia statement ya marejesho unatakiwa kulipa administration fee, penalty na value retention fee.

Inashangaza sana hayo makato ukifikiria mtu kamaliza chuo hajapata kazi miaka 3 hadi 4 lakini mkopo unaendelea kuliongezeka kila kukicha.

Leo nitazungumzia kimojawapo. Ukiangalia hiyo wanaita: Value Rention Fee (VRF) is a statutory charge to maintain the value of money throughout your repayment period. It is charged at 6% of the outstanding balance per annum. However it accrue daily at the rate of 0.0001643836 (that is 6% divided by 365) of the outstanding principal loan balance per day. SO it continues to accrues until you finish paying the outstanding principal loan.

Kwa hali hii mkopo huu hautalipwa na watu wengi watafanya juu na chini kukwepa kutolipa.

Ni aibu mkopo wa serikali unageuka kuwa chombo kumaliza na kukandamiza watoto wa maskini, sasa haina tofauti na mikopo ya biashara, wizi mtupu

Hakuna mtu asiyependa kulipa kama unadaiwa lakini mnapoweka mashari na vigezo ambayo haikuwepo wakati wa kuchukua mkopo inakuwa hatari sana. Serikali iache kutumia mabavu

Dawa ya deni kulipa! Maliza mkopo na wadogo zako wasome!

 

[Tingitane]

Inasikitisha sana bodi iliyopewa dhamana kuwezesha kupata elimu inavyobadilika na kuwa sehemu ya kuwanyonya watoto wa msikini.
Ukiangalia statement ya marejesho unatakiwa kulipa administration fee, penalty na value retention fee.

Inashangaza sana hayo makato ukifikiria mtu kamaliza chuo hajapata kazi miaka 3 hadi 4 lakini mkopo unaendelea kuliongezeka kila kukicha.

Leo nitazungumzia kimojawapo. Ukiangalia hiyo wanaita: Value Rention Fee (VRF) is a statutory charge to maintain the value of money throughout your repayment period. It is charged at 6% of the outstanding balance per annum. However it accrue daily at the rate of 0.0001643836 (that is 6% divided by 365) of the outstanding principal loan balance per day. SO it continues to accrues until you finish paying the outstanding principal loan.

Kwa hali hii mkopo huu hautalipwa na watu wengi watafanya juu na chini kukwepa kutolipa.

Ni aibu mkopo wa serikali unageuka kuwa chombo kumaliza na kukandamiza watoto wa maskini, sasa haina tofauti na mikopo ya biashara, wizi mtupu

Hakuna mtu asiyependa kulipa kama unadaiwa lakini mnapoweka mashari na vigezo ambayo haikuwepo wakati wa kuchukua mkopo inakuwa hatari sana. Serikali iache kutumia mabavu

Mkuu, ni kweli unachosema hii taasisi haiko fair hata kidogo, kwani lengo lake ilikuwa ni kuwasiaidia maskini ambao uwezo wa kulipa hiyo pesa wakati wa kusoma hawana,sasa unajiuliza mtu huyu maskini amemaliza shule hajapata anaanzaje kulipishwa penalty wakati hata kazi hajapata?

Hata taasisi za fedha zinakopesha na kudai interest lakin huwa haziweki penalty sasa unajiuliza taasisi hii ambayo lengo lake ni kusaidia maskini inachaji interest+ penalty kiukweli kuna mambo yanayofanyika nchi hii Mungu ndo anajua ila hapa watu wanaumia sana na kwa anaehisi kuwa anaweza kudai haki mahakamani kwa utaratibu huu wa .... ni gharama kuliko haki yenyewe.

 

[Jumong S]

The shilling today is worth the shilling tomorrow!

 

[muzi]

Jamani mimi sijui itakuwa imefika shingapi mana tangu 2013 nimemaliza chuo nimesugua kitaa hadi 2016 ndio nikapata kikazi kakupata ugali sasa sijui deni langu litakuwa kiasi gani

Hapo jiandae kisaikolojia, kwanza kuna penalty ya kushiba, ukiongeza VRF na administration charges utaisoma namba nzuri. Wakikunasa wanafyeka 15% ya mshahara wako kila mwezi

 

[walitola]

Hapo jiandae kisaikolojia, kwanza kuna penalty ya kushiba, ukiongeza VRF na administration charges utaisoma namba nzuri. Wakikunasa wanafyeka 15% ya mshahara wako kila mwezi

Duh mkuu sasa inakuwaje inamana nikajisalimishe huko kwao wakati ajira zenyewe zio za kudumu unaweza kuamka asubui kwenda job ukaambiwa kazi hakuna sasa si nitulie zangu tu au unanishaurije mkuu

 

[Copy]

Hapo penalty inakuhusu, kuanzia 2015 ukijumlisha na retention fee ( riba ) ya kila mwaka, kitu ndio kama unavyoona hapo.

Na sasa kuna NIDA Deni halikwepeki labda usifanye kazi sekta rasmi.

Mie nimeamua kupiga mishe zangu tu. Kama zikiendelea kukaa poa, hakika sitalipa kabisa. Labda wanifuate nyumbani.

 

[langaji]

Deni la Milioni 109 na mtu amesoma Ualimu
Gadeem wariii is ziiis?

Deni halitaisha. Linaenda kufyekwa kwenye pension. Serikali hii! Wao walisoma bure wakati wa Nyerere

 

[langaji]

Ungeingia jeshini uku madogo wananza na 620k akiwa na mkopo wa chuo anakata mkopo wake tuu anabaki na 507k apo bado ajala leshi 300k yani madogo wanao anza kazi wanakula araund jiwe 8 ivi afu mwalimu mtu muhimu anakula jiwe 4 ila hii nchi miyeyusho any way kupanga kuchagua vumilia mzee ndo maisha kuna wenzaki hawana kazi kabisa hata iyo awaipati...

Katika namna yoyote ile, usifagilie maisha ya jeshi hata siku moja. Vyovyote vile itakavyokuwa, ila kazi ya jeshi hapana kwa kweli